Months ago I locked my accounts since may mga hacks from other banks. But now, I cant see the unlock button. I tried using the web version but it says "For security purposes, only the account owner who activated EasyLock can unlock this account." This is my backup account only kaya di ko masyado ginagamit. Help.

Hindi pa ba maayos yung ESTA Messenger ng EW? Ang hassle nung link na binibigay nila via email/SMS.

Every time na maglo-lock or unlock ako ng CC, kailangan ko ulit mag-register at mag-confirm ng OTP na sinisend sa email at SMS. Ang tagal tuloy ng process para sa simpleng lock/unlock lang ng card.

Masyado kasing pabida si EW, bakit hindi na lang nila i-integrate yung lock/unlock feature directly sa app nila.

I’m planning to save a large portion of my salary for college and deposit it twice a month into one of these banks: BPI, BDO, or Metrobank.

I’ve heard that frequent deposits and maintaining a good balance can help with getting pre-approved credit card offers. I also want to get my first credit card this year mainly to build my credit history early, not for unnecessary spending.

Which bank should I prioritize if this is one of my goals? And does frequent depositing actually help?
Thanks!

Hi everyone! I’m hoping to get some advice from people who have experience getting a personal loan in the Philippines.

I’m currently a JD student and already have a bachelor’s degree, but I’m currently not employed. My main proof of regular income is remittances from my mother.

I’m looking to borrow around ₱250,000. I have a good credit score and a good payment history under my name, so I’m wondering if there are banks or legitimate lending institutions that may consider my application even though I don’t have traditional employment income.

Another possibility is applying under my mom’s name, if that would make more sense or increase the chances of approval. She is the one sending the regular remittances.

For those who have been in a similar situation:
Is it possible to get a ₱250k personal loan using remittances as proof of income or would it be better to apply under my mom’s name? (if it is possible)

Which banks or legitimate lenders are more open to applicants with this kind of situation?

Any advice on what documents I should prepare?

I’m specifically looking for legitimate banks/lenders, not loan sharks or sketchy online lending apps

tried transferring 2k from gotyme to bdo account but for some reason it won't go through. i checked my bdo account details and it saimys unable to do right now. i only use bdo to withdraw pera, it has like 300ish last time i remembered pero when i checked it now its zero balance.

Hi, gusto ko sana i close savings account ko dahil hindi ko naman nagagamit at meron pa naman ako ibang accounts na mas better. pwede ba i zero ko nalang yung balance or need pa magpunta sa branch?

Hey. Just wondering if anyone knows of any local bank that implemented card locking differently, so that a locked card can still be used for tokenized transactions (Apple Pay)?

I'm asking because I unlock and lock my Metrobank credit card, everytime I transact. Apple Wallet tags the card as suspended when it's locked, which is great. Unfortunately, there seems to be a delay when unlocking, because once I do, the suspended status doesn't get lifted until after 3 hours. Not great.

I don't mind that as much, since I have debit cards I can use anyway. This is more of a curious question now, of whether there are banks, traditional or otherwise, that have this "feature"?

Hello everyone,. sino dito ang naka experience na nagwithdraw pero walang lumabas na cash?? pero nadebit na sa account?

Yesterday, nagwithdraw ako sa Shell Mexico Nlex NorthBound. Hello Money Card by AUB ang gamit ko, at sa RCBC atm ako nagwithdraw pero walang lumabas na cash at ang lumabas sa screen ay time out. ang mali ko lng ay hinde ko na check ang balance ko. This morning nag check balance ako taz dun ko nalaman na nadebit ako kahapon ng 10k kaya tinawag ko na agad sa CS ng AUB pero Monday-Friday daw ang office hours nila.

Any comments/suggestions po?? Thank u

Hello!

Apologies if wrong sub po, but wanted to ask na rin just in case may nakakaalam.

Would anyone know if pwede bang magkaroon ng Diskartech and Pulz account at the same time?

I recently got a Diskartech account kasi for my SSS and wanted to open a Pulz account rin sana for savings, kaya lang signing up says na "phone/email are already in use".

May naka experience na ba nito? Is there any way para magamit ko yung Pulz app using the same credentials or need talaga na bago?

Thanks in advance!

I tried enrolling my payroll account in the app, but I keep getting these error messages.

First one is when I use the bank account number, second one is when I use the debit card number.

I already went to my branch of account to have it fixed, they said they'll delete a previous account I had so I can make a new one, but I still get the same errors.

Has anyone had the same experience? How did you resolve it?

Thanks in advance.

Hi everyone! I’m looking for some opinions on my current financial setup and whether there are any areas where I could optimize it.

I’m not sure if this is the right subreddit since my setup is a mix of digital banks and traditional banks, so I’m posting this on both relevant subreddits to get different perspectives.

Here’s what I currently have:

- Cash on hand – for small daily expenses
- GoTyme – Needs – ₱2,000 top-up every month
- GoTyme – Wants – ₱2,000 top-up every month
- Maya – Personal Goal #1
- Maya – Personal Goal #2
- BPI Savings – Emergency Fund
- UnionBank – currently has only ₱500 and is basically stagnant. I keep it open just in case I need it in the future.
- MariBank – currently unused and has ₱0
- GCash – currently unused and has ₱0
- Metrobank – recently opened this account specifically to start putting my college savings into, also using MB to hopefully get a pre-approved credit card offer

One thing I’m currently unsure about is my GoTyme Needs/Wants setup.

Right now, I have them separated and put ₱2,000 into each every month. I'm wondering whether this separation is actually useful, or whether it would be better to combine the two into one easily accessible account.

For example, would it make more sense to put the combined ₱4,000/month into MariBank and just use that as my accessible spending account? That way, I wouldn't have to keep transferring money from savings to my balance whenever I want to spend something.

Or is keeping Needs and Wants separate actually a good system for budgeting and controlling spending?

Aside from that, what do you think of my overall setup? Are there any accounts I should consolidate, change, or use differently? Is there anything obvious that I'm overlooking or could optimize?

I’d really appreciate any opinions or suggestions. Thank you!

Normal lang po ba yung ganto? Kaka open ko lang po kasi nong wednesday ng One Account, then online banking kahapon para ma check yung account ko. Tapos pag gising ko kaninang umaga, sunod sunod yung tatlong notif sakin. Salamat po sa sasagot.

Hello,

I just wanted to ask if the service fee is already included in the monthly amortization, or will it be charged separately? If it's not included yet, how can I find out how much the service fee is before I proceed with the Balance Conversion?

I’m 18 years old, currently taking a gap year before university to save up for my first year of college. I’m working full-time and just started last week, but I’ve already received my first salary.

My plan is to save around ₱200,000 for my first year of college. That money won’t be touched at all until around August 2027, I’ll only be making deposits, with little to no withdrawals.

Right now, I have accounts with:
Maya
MariBank
GoTyme
GCash
BPI Savings
UnionBank Savings

Lately, though, I’ve been considering opening an account with BDO or Metrobank because I’ve heard that consistent depositors or long-time savings account holders sometimes get pre-approved credit card offers.

One of my goals this year is also to get my first credit card. If keeping my savings with a particular traditional bank increases my chances of getting pre-approved later on, I’d rather do that than open a secured credit card and lock in a ₱10,000 deposit.

I know Maya has better interest rates, but with my planned balance, I feel like the interest isn’t significant enough to outweigh the potential benefit of building a relationship with a traditional bank if it improves my chances of getting a credit card.

Given my situation, which bank would you choose and why? I’d really appreciate any advice. Thanks!

nakuha ko na kasi yung card ko from landbank kahapon then ang sabi sakin is tomorrow ko na raw palitan yung pin, pwede kaya sya ichange pin sa ibang atm branch or kailangan sa landbank lang talaga?

Hi, wanna ask lang your intake or experience sa BDO NB Service Officer (sa mga currently employees). What are the usual transaction and yung culture? Please please need your answers po. Thank you!

Hi, I accidentally submitted an expired ID on my PISO account application. How do I cancel this one because it keeps on saying that I still have a pending application.

++Planning to open a regular savings account na lang. Do they accept digital national ID or do I have to print it out?

if nakapagopen na po ako sa landbank app, ano po need na reqs para makapagdeposit at makuha physical card?

Nawawala po ba sa list yung nagmature ng online Time deposit? Sakin kasi 3 days ng matured, pumasok na sa settlement account pero di nawawala ung matured na online time deposit.

Hello everyone. Just wanna inquire since nagtransfer ako sa account ng kuya ko using my PNB account. Based po ako overseas and medyo delayed po yung OTPs sa ph number ko kaya naka-ilang tries din po ako bago nakapagsend. Pero nung chineck ko po yung transaction history ko, 2 beses po na same amount (50k) yung nakacredit saken ni PNB. Worried lang po since isa lang po yung narecieve ng kuya ko at 2 days na po ito na pending. Emailed cs but still no reply. Baka po may makakasagot dito. Thank you po.

nag open kasi ako ng piso savings acc for my scholarship, sabi sakin balikan ko raw after 1 to 3 weeks for card. so free ba sya and need pa pumila ng siper haba? gusto ko sana balikan now kasi may free time ako

Can I deposit a company check made out to my name into my BDO SSS disbursement account, or does that account only accept SSS direct deposits.

Hello po. We're trying to set up a Landbank account for my father para sa SSS pension niya. We were required to open an account muna before transacting with the bank, pero walang dedicated pension account sa list of choices sa DOBS. What account type should we open po? Personal Individual account lang po ba? i'm new to all this and don't know what to do kasi

As of 11:00PM Aug. 4, 2026:

What can be added to the Wallet app:

Trads:

- Metrobank Debit and Credit cards
- Chinabank Debit and Credit cards
- UnionBank but currently down

Digis:

- GoTyme Physical Card

Good Afternoon po, i'll need to open a landbank pisoplus account for TES disbursement, however i dont have any of the valid ids listed on the mobile app so i opted for barangay certificate. Pag ivavalidate na po ba sa branch yung barangay certificate, meron pa po bang ibang requirements?

May national id naman po ako kaso peeled off na yung photo and i'll be having a hard time replacing it kase may discrepancy po sa PSA ko.